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Greenfield Co-operative Bank

Greenfield, MA · Cert 26397 · Greenfield Bcorp MHC

State charter, Fed member · FED · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

41

Q2 2024Q2 2026peer median (50)

Asset Quality

55

Q2 2024Q2 2026peer median (50)

Profitability

23

Q2 2024Q2 2026peer median (50)

Liquidity

65

Q2 2024Q2 2026peer median

Efficiency

30

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Greenfield Co-operative Bank

Greenfield, MA · Cert 26397 · Greenfield Bcorp MHC

State charter, Fed member · FED · 10 branches

Q2 2026

$901.8MAssets
$557.3MLoans
$800.0MDeposits
$98.0MEquity
Loan mix
95%RE $478.5M4%C&I $19.8M1%Consumer $2.9MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $676.6M15%Noninterest $123.4MQ2 2025Q2 2026

NIM

3.99%Q2 ’244.17%Q2 ’254.23%Q2 ’26+0%+7%

Non-interest income vs. expense

2.31%Q2 ’242.34%Q2 ’252.48%Q2 ’26+2%+7%

Market Position · Amherst Town-Northampton, MA · 2026 SOD (annual) · 4.0% share · #8 of 15 inst. · $0.3B of $6.6B

30.5% Franklin
4.0% Hampshire

Executive Summary

  • Earnings: ROA of 0.57%, down 6 bps year over year; NIM at 2.99%.
  • Asset quality: problem loans at 0.72% of loans (-15 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.47%, down 3 bps from a year ago.
  • Funding: loans stand at 69.66% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.57%-6 bps YoY

Net Interest Margin (YTD, annualized)

2.99%+18 bps YoY

Efficiency Ratio (YTD, annualized)

76.75%+21 bps YoY

Tier 1 Leverage Ratio

12.47%-3 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.62%0.64%0.63%0.64%0.57%-6 bps
Return on Equity5.65%5.75%5.60%5.58%5.04%-61 bps
Net Interest Margin2.81%2.82%2.85%2.99%2.99%+18 bps
Efficiency Ratio76.54%75.93%75.73%75.24%76.75%+21 bps
Non-Interest Burden2.09%2.08%2.10%2.19%2.24%+15 bps
Growth
Asset Growth (YoY)9.19%8.98%7.60%5.53%8.37%-81 bps
Loan Growth (YoY)5.75%2.38%4.04%4.21%7.90%+215 bps
Deposit Growth (YoY)9.55%9.88%7.23%5.49%8.95%-60 bps
Asset Quality
Nonperforming Loans / Loans0.87%0.78%0.91%0.89%0.72%-15 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.91%0.93%0.95%0.96%0.96%+5 bps
Allowance Coverage of NPLs1.0x1.2x1.0x1.1x1.3x+0.3x
Capital
Tier 1 Leverage Ratio12.51%12.50%12.59%12.63%12.47%-3 bps
Total Risk-Based Capital12.51%12.50%12.59%12.63%12.47%-3 bps
Equity / Assets11.09%11.34%11.46%11.36%10.87%-22 bps
Liquidity & Funding
Loans / Deposits70.34%69.76%70.97%70.33%69.66%-68 bps
Liquid Assets / Assets9.40%9.61%8.84%9.57%10.77%+137 bps
CRE / Total Capitaln/a116.21%118.22%118.27%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Greenfield Co-operative Bank

Greenfield, MA · Cert 26397 · Peer group: banks under $1B in assets (n=581-629) · Greenfield Bcorp MHC

State charter, Fed member · FED · 10 branches

Q2 2026

$901.8MAssets
$557.3MLoans
$800.0MDeposits
$98.0MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 72% of banks under $1B in assets (rank 168 of 581).
  • Widest gap: return on assets trails 78% of banks under $1B in assets (rank 493 of 629).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.54%

Rank 493 of 629

Net Interest Margin

2.99%

Rank 478 of 629

Efficiency Ratio

76.75%

Rank 442 of 629

Equity / Assets

10.87%

Rank 298 of 629

Non-interest income vs. expense

$2.1M$21.9MINCOMEEXPENSE
Unfavorable gap of $19.7M · efficiency ratio beats 30% of banks under $1B in assets
Bank 76.75%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.54%0.60%1.01%1.45%Beats 22%493 / 629
Return on Equity5.01%5.38%9.30%13.28%Beats 23%486 / 629
Net Interest Margin2.99%3.03%3.54%4.05%Beats 24%478 / 629
Efficiency Ratio76.75%58.35%67.79%79.08%Beats 30%442 / 629
Asset Quality
Nonperforming Loans / Loans0.72%0.09%0.46%1.20%Beats 38%364 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 72%168 / 581
Capital
Tier 1 Capital Ratio12.47%11.24%13.84%18.77%Beats 38%390 / 629
Total Risk-Based Capital Ratio12.47%11.58%14.43%19.66%Beats 33%420 / 629
Equity / Assets10.87%9.09%10.65%13.80%Beats 53%298 / 629
Liquidity & Funding
Loans / Deposits69.66%67.24%80.90%93.48%30th pctl415 / 594
Loans / Assets61.80%53.31%67.71%78.15%38th pctl391 / 629
Brokered Deposits / Depositsn/aNot reported for this institution